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What We Offer



High Financing Margin

Overdraft limit up to 100% of your
secured fixed deposit amount



Save on Interest

Interest is charged only on utilised
amount on daily basis



Repayment Flexibility

Option to repay in one lump sum or in
instalment with no fixed repayment schedule

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Features



Interest Rate

Interest rate is calculated on daily facility outstanding amount.
Base Rate + 0.75%.

Collaterals for Overdraft

Fixed deposit receipt(s) in the name of the borrower with a minimum amount of RM10,000. It could be of any tenure but on an auto renewal basis with interest.

Insurance Coverage

Optional Credit Term Assurance / Credit Reduce Term. Assurance to protect against your overdraft outstanding should unexpected events happen to you.

Repayment

Facility is repayable on demand and interest is to be serviced monthly.

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Application Details



Eligibility

Malaysians who are between the ages of 18 and 70 years old.
Individual or Joint Applicant holders.
Holders of Fixed Deposit Receipts.

Documents Required

i. Applicant - Photocopy of IC
ii. Joint Applicant (if any) - Photocopy of IC
iii. Income Documents:
a. Salary Earner

  • Latest 1 month pay slip; OR
  • Latest 3 months Bank Statement; OR
  • Latest EPF Statement from Affin Bank device/printed from EPF Website (minimum 3 months EPF record); OR
  • Latest EA Form supported by tax payment receipt and e-filing supported by acknowledgement)

b. Commission Earner

  • Latest 6 months commission statement; OR
  • Latest 6 months Bank Statement where commission credited; OR
  • Latest Form B supported by tax payment receipt and e-filing supported by acknowledgement

c. Self-employed / Businessman

  • Latest 6 months Bank Statement and Business Registration document; OR
  • Latest Form B and LHDN payment receipt OR
  • Latest e-Form B and e-filing acknowledgement receipt

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